cabot and recon agreements

[PlanB]

Re: cabot and recon agreements

* anyone want to buy a consumer debt related forum for £1? PM me if interested, I need a break!

** Insert wrist/knife/blood smiley here **

OK point taken. But please don't kill youself because that would be really selfish and indeed upsetting

[SaltnVinegar]

Re: cabot and recon agreements

LOL I wonder if we would find AAD

[Never-In-Doubt]

Re: cabot and recon agreements

Is that a CCA request for AAD?

[SaltnVinegar]

Re: cabot and recon agreements

anyone want to buy a consumer debt related forum for £1? PM me if interested, I need a break!

Is that a CCA request for AAD?

[garlok]

Re: cabot and recon agreements

I like that SnV.

regards
Garlok

[Never-In-Doubt]

Re: cabot and recon agreements

I'm like an annoying toddler who keeps asking "But why Mummy?" to everything you tell it. So when I read "ignore it" advice on this site I try to figure out exactly why the debtor should ignore it I'm at Niddy Skool to learn from others, so maybe sometimes the post could actually say "ignore it because . . . " then I'll see if that situation matches my current set of circumstances ? Although I know that no two cases are the same blah blah blah.

* anyone want to buy a consumer debt related forum for £1? PM me if interested, I need a break!

** Insert wrist/knife/blood smiley here **

[SaltnVinegar]

Re: cabot and recon agreements

Interesting discussion so I'll pitch my view in on this.

I have seventeen (yes 17!) different creditors to handle. Out of these 15 creditors have agreed to my DMP.

Once the creditor received my I/E sheet and payment offer there was nothing further to state.

Those creditors that ignored the original letter DMP offer letter and continued the harrassment were sent a simple letter asking why they were pursuing an action of harrassment when it was obvious that I could not afford to pay more and to state why they had ignored the letter or refused my reasonable offer.

When creditors ignored these letters a formal complaint was written, and then formal complaint was ignored or rebuffed a complaint was sent to the OFT.

This tactic, over 12 months, has had a success factor of 100% with an added bonus that AMEX were slapped by the OFT regarding their handling of my account and I received a 'good will gesture' of over £1000 (but at the same time admitting no liability of course).

The other 2 - well they behaved like @holes and got the full Niddy UE treatment. Last correspondence from them was well over 6 months ago and they have now gone quiet as each of their last letters were given the response of 'You have still not complied with my CCA request why not? Until you do I have nothing further to say to you.'

Whenever I was threatened with court action I have actually responded to creditors inviting them to take me to court as I would be able to demonstrate to a judge that I had made every effort to resolve the situation.

The only time I have experienced real (not threats) court action, was not actually for a debt of my own, but for DW Mrs SnV who had, unfortunately, taken the advice of 'ignore' not understanding the correct context in which is should be used.

However where I think the term 'ignore' should always apply is to the pressure that creditors would like to place you under. Pressure and threats are generally the tools of their trade and it is this you should always ignore.

Treat the letters as strategic pieces in a game, and respond to them to give you strategic advantage but always ignore the mind games.

Best

SnV

[Susie]

Re: cabot and recon agreements

Even though I already know this site is great, I think its fantastic that things which would appear to some to be minor as in reply or ignore can be discussed so clearly by those who know the most

Susie the revoulting

[greymatter]

Re: cabot and recon agreements

It is encouraging to read the various views here.At the end though,this site goes a long long way to support its members.So healthy discussion is a must.Great stuff.

[garlok]

Re: cabot and recon agreements

Oh and by the way the Niddy,

The peasants are revolting!!! l l

regards
Garlok

[garlok]

Re: cabot and recon agreements

Hi Guys,

This has been a very interesting discussion I must say. Niddy you are right in my case, I do an awful lot myself and tend to use my judgement and a bit of common sense over which to respond to and which to ignore. I would estimate once the set procedures have been through as laid down here on AAD then 90% of the rest is crap that arrives through the door.

In general it has only taken two further letters from us to see off each and every outside DCA that has arrived on the scene. We now have a debt purchaser on two accounts and that is now in process of action, all by me and Mrs G.

In the discussions we have had with our legal people we have defined a series of criteria which lay down certain items about which they should be informed but which we will be dealing with ourselves (which is just about all of it) anything else they do not need to know about and we keep the paper audit trail. It would be unfair to publish those criteria as such as they could be taken as a general rule by many members and I think it is important to remember that each and every case is different and has its own specifics somewhere along the line and the criteria such as described above have to be tailored to both the individuals needs, level of knowledge and of course the depth of their pockets when it comes to legal advice.

If you want a generalism from me I would say that it is important to think of and treat every case you have personally as standing or falling purely on its own merits.

I hope that has not come across as contradictory or confusing and hope that it has helped someone in their thinking.

regards
Garlok

[PlanB]

Re: cabot and recon agreements

I'm like an annoying toddler who keeps asking "But why Mummy?" to everything you tell it. So when I read "ignore it" advice on this site I try to figure out exactly why the debtor should ignore it I'm at Niddy Skool to learn from others, so maybe sometimes the post could actually say "ignore it because . . . " then I'll see if that situation matches my current set of circumstances ? Although I know that no two cases are the same blah blah blah.

[Paul.]

Re: cabot and recon agreements

lol no worries ill give it about 3 hours then call lmao

[Never-In-Doubt]

Re: cabot and recon agreements

Am working thru the night so later if you can mate. Need bed lol

[Paul.]

Re: cabot and recon agreements

i will do, ill give you a buzz later as it would identify the case and thats not good at this stage.